Kerala Nair Weddings

A Kerala Nair wedding ceremony is very simple. The ceremony takes just a merge of minutes. But prior to that there are some rituals to be followed. The Malayalee month Chingam is thought about to be the most auspicious month to escort the weddings. The months of Midhunam, Karkatakam and Kanni are commonly avoided. A customary Kerala Nair marriage is conducted with the following steps.

Horoscope matching

Kerala Home Designs

A marriage proposal moves forward with the horoscope matching. Though in the contemporary world, few do not believe in this old principles of horoscope matching for a happy and chronic marriage, many others still believe in their ancestors' thinking and they would not like to take chances with their children's lives, foregoing this step. Today more marriages are arranged straight through the online match production sites, and many of these sites do have facilities for horoscope matching on their sites.

Meeting the girl (Pennu Kanal)

Once the horoscopes are matched, the boy and his parents or other elders come to see the girl officially. It can be a uncomplicated affair or a large celebration, where the prospective bride and groom and their families consent to the marriage.

Meeting the boy's family (Veedu Kanal)

The girl's parents also visit the boy's family to know more about him and his family, where their daughter is going to spend the rest of her life. This practice is called Veedu Kanal.

Engagement (Vivaha Nischayam)

Once both the families are satisfied with the alliance, the marriage will be officially announced in the nearnessy of the elders and close friends, which is called "Vivaha Nischayam". It may be a uncomplicated affair or a large celebration, agreeing to their wish and convenience. In some areas, the wedding rings are exchanged while this function, and in some other areas replacement of rings are done while the wedding ceremony.

Ayana (Prewedding day)

On the evening before the wedding, the families and close friends of both the bride and the groom, collect in their respective houses, to bless them. A customary evening meal will be arranged for them. The bride will be dressed in one of her best saris, bejewelled, and her hands will be decorated with mehendi. Mehendi is not a customary ceremony of Kerala Nair wedding; it is a new practice followed from other communities.

Namaskaram (Blessing from the elders)

On the Wedding day, the elders take the sacred "Thali" (mangalyasutra) to the temple to get blessed. This thali is going to be tied nearby the girl's neck by the groom on the wedding day symbolising the marriage. After taking the blessings of her elders by touching their feet, the bride is taken to the wedding venue, with her family members and friends. It could be a temple, or her ancestral home, or a kalyana mandap.

Thalikettu and Pudavakodukkal (Wedding)

On the wedding day, the groom and his family arrive at the venue of the wedding. Usually it is arranged in the girl's place. They are received ceremoniously in the midst of the customary music (Nadaswaram and thayil). The bride's brother washes the groom's feet on a wooden plank and the aunts accomplish aarathi (pooja) and receives him. The groom and his people are escorted by the young girls holding the customary brass lamps. The boy sits in the mandap on the right side of the decorated canopy. The bride is then escorted to the mandap amidst the customary music and takes her place facing the east, with the groom facing her. At the auspicious occasion (muhurtham) the bride ties the"thali" nearby her neck, in a sacred yellow thread, to the beating of drums, and gifts her a sari. This ritual is called Thalikettu and Pudavakodukkal. His mother also ties her a chain, accepting her as her daughter-in-law. The bride and groom replacement garlands. This is followed by her father holding his daughter's hand in the groom's hand, handing over her to her groom in holy matrimony. This sacred ritual is called Kanyadan. holding her hand, the groom goes nearby the fire three times.

The newly married merge will take their parents' and elders blessings together and then will be lead to a room and to give Milk and Banana by the bride's mother and relatives.

After the wedding ceremony, the guests will come to wish them with gifts. Then they will be given a grand feast called "sadhya". It will be a customary vegetarian lunch with varieties of dishes and payasam, served in plantain leaf.

Gruhapravesham

At an auspicious time, the bridegroom takes his bride escorted by his people, and few members from the girl's family, to his house. They are received there ceremoniously. The bride enters the house, holding the customary brass lamp in her hand, and holding her right foot in. After some time the girl's people return home, leaving her in her new home.

Reception

In some families, they hold a Reception party in the boy's side where his friends and relatives are invited, to meet the newly hymeneal couple. Many of them come with gifts to bless them. Usually it will be arranged in a Hotel. while this time, the guests are served with a grand dinner.

Kerala Nair Weddings

Religious Wording, Verses and Sayings For All Religious Invitations

When you are sending out religious invitations, you'll want to spend some time reasoning about the religious wording you want to include in those cards. Of course, if you don't feel determined in your writing abilities that could be a challenge you don't feel comfortable undertaking. To give you some guidance in this area, you'll find some samples of how you can handle the wording for some of the most base religious invitation types you might find yourself sending.

Baptism Invitation Wording

Kerala Home Designs

A baptism is a special time for families so wanting to share it with others is not unusual. That's why knowing how to word the invitations is so important. Most families keep things fairly simple. You might say, for example: Mr. And Mrs. Daniel Brown ask you to share the blessed chance of their daughter's baptism." If you want something more casual, you could use both parents' first names or replace the names with pronouns: "We ask you to join us for the baptism of our daughter, Anna."

Christening Invitation Wording

Typically, a christening is the official naming ceremony for a new child. Sometimes this event is combined with the baptism but not always. When writing these invitations, you might want to reconsider adding your popular religious verse or one of the psalms. The message itself should be kept simple: "Please honor us with your proximity at the christening of our new child" is one way. Of procedure with both baptism and christening religious wordings, you want to add all of the details about where the event will take place. Be sure to also mention if a reception will be held afterward.

Bar Mitzvah Invitations

In the Jewish tradition, boys turning 13 go through a rite of duct known as a Bar Mitzvah. This is a huge celebration for the boy and is something he has been working towards for a long time. Typically, the celebration starts at the synagogue as he reads from the Torah. Later, his friends and house members collect together for a huge party where he receives cash and gifts from every person he knows. Because this event is so important, choosing the right religious wording is highly important. The example below is one possibility:

The Smiths proudly ask you
to join them
as their son,

Joshua

is called to the Torah
as a Bar Mitzvah

Of course, again, the details of the location, time, etc. Would all corollary this opening.

Religious Verses

Regardless of the type of invitation you are going to be sending, you should all the time reconsider together with some parts of religious writings that would be approved for the event and the beliefs of the recipients. This would be true either you are sending religious thank you cards, Christmas or Hanukkah cards, or even condolence cards. In every cases, these verses and religious sayings are going to be a huge help as you struggle to find just the right religious wording.

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Religious Wording, Verses and Sayings For All Religious Invitations

Tax Deed Investing - What is an "Upset" Sale?

In Pennsylvania, some counties have two different tax sales; the "upset" sale, and the "judicial" sale. If tax sale properties are not sold at whether of these two sales, the asset then goes on the "repository" list and can be sold by incommunicable bid. The upset sale is held every year in the fall. It's called an "upset" sale because the minimum bid for the properties in this sale is known as the "upset" price; which includes any unpaid taxes from the county as well as any municipal liens. If a asset is not sold in this sale, it is sold in the "judicial" tax sale in the spring. Not all Pennsylvania counties have judicial sales but they all have an upset sale.

What you may not know about the upset sale is that all properties are sold field to any liens or judgments. That means that if you buy a tax deed at this sale, you are responsible for any other unpaid liens or judgments on the property. Most people assume that when they buy a asset at a tax sale, they don't have to worry about other liens such as a mortgage. This is not true at the upset sale. If you plan on bidding at any of these sales this fall, you'd best do your homework!

Knox County Property Tax Sale

So how do you find out about other liens or judgments on tax sale properties? There are two ways that you could do this; one is going to cost you some money and the other is going to take some of your time. The first way is to hire a title search business to do a simple title search on all of the properties in the sale that you are curious in bidding on. This could turn out to be a microscopic costly, so it's not my recipe of choice. Another presume why I don't hire a title search business to do title searches for me before the sale is that many of the properties will come off the sale list the day before or the morning of the sale. You may pay for a few title searches that you don't even need because the properties that you wanted to bid on are not sold at the sale.

Last time I went to the Monroe County Upset Sale, I didn't even bid on any properties. I researched about 10 of the properties in the sale that were in an area that I was curious in. Through my research I narrowed this down to only two properties that I wanted to bid on. I did all of my research the day before the sale and I had checked that morning to make sure that all of these properties were still in the sale. But by the next morning (the morning of the sale) the two properties that I was curious in had paid and were no longer included in the sale. I'm glad that I did my own research and did not pay a title business to do it!

That brings us to the second recipe for finding out about liens and judgments on tax lien properties, and that is to do it yourself. There is a microscopic bit of study and some time involved, but it is well worth it. In most states, to do this type of research you would go to the County Hall of Records. In Pennsylvania the office that has the records that you need to search is the office of the Prothonotary. The people in this office are normally very helpful and will help you to look up what you need to know. You'll have to look for liens and judgments by the name of the owner. If there are co-owners or joint owners, you will want to search under both names.

Keep in mind, however, that if new liens were not yet recorded they could slip Through the cracks in the law and you won't be able to find them. There is all the time some degree of risk when you buy a tax deed, even if you are rigorous and do your homework. This is why it is all the time recommended that you do not buy tax deeds in your own name, but in the name of a isolate entity. It could be a corporation or an Llc. If you need help forming a corporation or Llc for the purpose of buying tax deeds, I know of two perfect programs to help you. They were both created by Darius Barazandeh, Texas attorney and tax deed expert.

Tax Deed Investing - What is an "Upset" Sale?

How To quest New Jersey property Tax Records on the Internet

Property Tax Records are ready to the public in the state of New Jersey. The public tax databases comprise a wealth of important information that will help you become educated home owners as well as inherent home buyers. Until recently, searching the tax records involved a trip down to the county records office and probably the best part of an afternoon. Not anymore, with just a few clicks you can crusade tax records in any of the following Nj counties:
Atlantic, Bergen, Burlington, Camden, Cape May, Cumberland, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Morris, Ocean, Passaic, Salem, Somerset, Sussex, Union, and Warren
The three most favorite public tax records databases for New Jersey are:
Morris County Tax Board Monmouth County Tax Board TaxRecords.com
Why so many links?

Open them up and take a look. You'll consideration that not every site has the most new database, and some sites (like Monmouth and TaxRecords) allow you to crusade all counties. All of these sites are free to use and comprise information that is obtained directly from each county tax board.

Knox County Property Tax Sale

How do you crusade the tax report databases?

The Monmouth and Morris County Tax Board sites are among the easiest to use. On these sites you are able to crusade by property owner (last name), road name and address, as well as the direct block and lot number. When you crusade by road name, these sites will list all the properties on that given street. When searching by road name it is recommended that you just type in the name of the street; for example if you want to crusade for properties on "Main Street" just type in "Main" and search. When searching by name, simply type in a last name.

What requisite information lies in each tax record?

You'll find the basic information on the property block and lot location, property size in acres, owner name and address, the current property assessment, and the current and past taxes paid on that property. Total evaluation price is broken down into two values, one for the land and the other for the improvements. The land evaluation value is what the raw land is worth; whereas the revising evaluation value is the combined value of any structure and structures on that property. The next best piece of information ready to you is the "last sale" information. This shows you the last time this property changed deed owners and what the sales price was. This is an extremely useful piece of information that you can use when potentially purchasing a home.

How can this information be used?

If you are a current property owner and you think you are paying too much in property taxes, you can easily find properties that surround your home and conclude how much your neighbors are paying in taxes. Some records will also list the quadrilateral footage of the home and the acreage of the lot so you can see how properties assess to eachother. This information comes extremely handy if you want to motion your current tax assessment. If you are a inherent home buyer, you can see what surrounding houses are worth and what they currently pay in property taxes. This easily lets you know if the home seller is charging a fair market value price for their home.

How To quest New Jersey property Tax Records on the Internet

Illinois Probate Laws - What You Need to Know

Probate is a legal process used to decide estates after death. The probate process in Illinois is fourfold. First, probate must be opened with the clerk of the court in the county where the decedent last resided and intended to remain. If the decedent owned real estate in complicated States, ancillary probate must be opened in all of those States. In Cook County, the probate court is placed on the 12th and 18th floors of the Daley center in Chicago.

Next, a court rules on a decedent's heirs, or beneficiaries of the estate. Heirs of an estate do not necessarily have to be connected to a decedent. Furthermore, not all of a decedent's children or relatives are necessarily heirs. Illinois law also requires consideration to the group when a decedent's estate is probated so that any creditors can come send to claim assets. Third, a court rules on either a decedent's will is valid.

Knox County Personal Property Tax

Finally, a court appoints an executor (if there is a will) or an administrator (in cases where there is no will) of the estate. If a man dies without a will, the administrator of the estate will be carefully by the following order of preference under Illinois law: (1) surviving spouse, (2) heirs (beneficiaries of the will with preference for children first), (3) children, (4) grandchildren, (5) brothers and sisters.

Probate is not required in Illinois if the decedent set up a living trust, or if the decedent's estate was jointly held. Jointly held asset regularly includes real estate where two habitancy are tilted as joint tenants, joint bank accounts, and life insurance with a named beneficiary. In addition, probate is not required when a decedent's estate is worth less than 0,000 and includes no real estate.

Even when probate is not required, it can still be smart to open an estate in probate court. For example, if whatever owed a decedent money, probate can be used to secure that money on behalf of that decedent.

Furthermore, probate is a helpful process when a will is contested. For example, if a decedent was unduly influenced to sign a will while mentally incompetent, a court can rule that the will is defective. In addition, probate can be a helpful tool when there are disputes in the middle of heirs over assets.

All of the work complex in probate regularly requires the assistance of an attorney. Probate can be a difficult process, especially when a will is contested or when there are disputes among heirs. Probate attorneys can support with production the process as fair as possible. Furthermore, Illinois probate attorneys help with added matters legal matters surrounding a loved one's death, such as paying both federal and Illinois death taxes.

Again, probate is a legal process that helps to ensure a decedent's estate is distributed fairly and according to his or her wishes. Although it is not always required by Illinois law, probate can be highly helpful process for settling a decedent's estate.

Illinois Probate Laws - What You Need to Know

swiftly Find Out If You Have a guarantee Out For Your Arrest

Are you seeing to find out either you have a warrant out for your arrest or not? Do you know how to go about it discretely, professionally, and cheaply without alerting the authorities to the hunt you're trying to conduct? If you do, you may not know the pitfalls to avoid in order to get a good, unabridged hunt completed, and it is in your best interest to learn those potential traps. If you do not, then read on...

Typically, if you're seeing for someone else's arrest warrant, you can plainly walk into the local county courthouse. They will be able to escort a warrant hunt on the name you're request about. Unfortunately, they usually ask for your own personal identification, the person's collective safety number, and written permission from the someone you're searching for. Of course, all of these may be very tough to get together, particularly if you want to be discrete about conducting the hunt and not alert the someone you're seeing up.

Knox County Personal Property Tax

Even if you do get this information, you'll have to pick between conducting a state hunt and a county search. If you escort a state search, you'll find that the state does not keep records of warrants that were issued at the local level, therefore leaving all counties, towns, hamlets, and other local jurisdictions unsearched. You cannot possibly call anything hunt you are conducting unblemished unless you hunt these places for the warrant you're seeing for.

By far the best records that are kept are at the county level. Of course, the problem there is that there are thousands of counties in the country, and if you're concerned in performing a full search, you'll have to hunt in most, if not all, of these counties, which will cost hundreds of hours and thousands of dollars. Additionally, not all counties allow online searches. Nor do they allow phone or mail requests for warrant information.

Therefore, if you're concerned in conducting an superior warrant search, you'll be concerned to know that there are some websites that allow you to achieve a nationwide hunt discreetly and anonymously fully online, and fully free. Of course, if you want to know the intricate details of the warrant, you'll have to pay the fee required by the hunt service. This fee is usually much smaller than the number a local county justice building would payment if you were to escort the hunt the old fashioned way.

swiftly Find Out If You Have a guarantee Out For Your Arrest

What Is A Judgment Lien?

A judgment lien is a court ordered lien that is located against the home or asset when the homeowner simply fails to pay a debt. This doesn't seem like a big deal, but when the homeowner has a judgment lien against his or her home and wants to sell it, the judgment lien has to be paid in full before the home or asset can be sold. Judgment liens can be located against the asset for a collection of reasons such as unpaid reputation card bills, utility bills, division store bills, landscaping or home revising bills, and just about any bill that the homeowner has failed to pay in a cheap amount of time. Any bill that can cause one to end up in court can follow in a judgment lien.

A judgment lien is different than a trust, in that the judgment lien holder cannot foreclose on the home or the asset as trust holder can. Judgment lien holders can quiz, payment, but finally they must wait for the homeowner to sell the asset before they can expect to be paid the money that they are owed agreeing to the judgment. Luckily for the judgment lien holder, the court will typically assign an interest rate to these liens so that the lien holder is compensated for their waiting as the interest will continue to accrue until the debt is paid in full. Because the majority of citizen will live in their home for quite some time, the interest can make a judgment lien grow, and grow, and grow over the years so that it is quite large. Dream what a lien of just ,000 would grow to over the years if the interest rate were 15% annually and that would be an even bigger amount if the debt were ,000 or ,000!

Knox County Personal Property Tax

Of course, judgment liens wish court action. A creditor will take the homeowner to court where the judge will decree if the homeowner does in fact owe the creditor any money. If the court decides that the creditor is owed the money, and the homeowner will not or cannot make payment, the judge will order that a judgment lien be located against the property. The judgment lien will then be entered into land records offices for the city or county so that the home cannot be sold without refund of the debt. Once the lien is filed with the land records office, the judgment lien is said to be attached to the property, meaning that it cannot legally be sold without paying off that lien. If the judgment lien is not listed at the land records office, then it means that the debt or lien is not legally attached to the asset and does not need to be paid off to sell the home.

A home or asset can have numerous liens against it, which may gift a question when the home is to be sold. Fortunately, the law says that liens will be paid off in the order that they were attached to the property, meaning the first lien will be paid first, the second will be paid second, and so on. This is a law that was basically advanced for when a home is foreclosed on. If a foreclosed home is auctioned it will first pay off the first lien, then the second, and the third until there is no money left to pay the debts that are still attached or connected with the home. Of course, all trusts against the house, such as mortgages and home equity loans, would be paid off before the judgment liens, so it's not uncommon for these liens to simply go unpaid because there is no money remaining to pay these debts after the trusts are paid. If there is not sufficient money to pay for all of the judgment liens and trusts on the home or property, they are then wiped out and can no longer be collected on. Of course, the auction will commonly effort to pay for all of these debts, and they are paid for until there is no money. The surmise for this is that the new owner will not be able to get any home equity loans or second mortgages with judgment liens already on the home. If there is money left over after all is paid off, the remaining amount would go to the foreclosed homeowner as all debts are paid.

You can look for judgment liens at the land records office, though you will typically not find them listed with trusts. Investors or homeowners seeing to sell their home will have to look into both trusts and judgments, as they are listed in different areas. Investors can often be caught off guard when they perceive how much debt is attached to the home, and sellers are often startled at old judgment liens that they had forgotten about and don't want to afford to pay off in order to sell their home. It's a good idea to go over all of this information before one bids on a home or attempts to sell it or put it on the market.

Judgment liens are not something that whatever wants put against their home, but they are common enough. There comes a time for many citizen when they simply cannot pay a bill, and a judgment lien is ordered. Production a prolonged effort to pay down the debt is a great idea so that you don't fetch large interest fees in expanding to the preliminary dollar amount of the lien. The homeowner does not have to wait until the home is sold to pay off the lien, instead they can be paid off as soon as possible. The judgment lien is simply put in place so that the home cannot be sold without the debt being paid, and when you look at it from the creditors point of view, this is a great tool to ensure that you'll eventually be paid the amount you are owed in expanding to an interest fee that will pay you for waiting.

What Is A Judgment Lien?

quest Michigan disunion Records Online

Personal information about people such as life records are regularly difficult to get unless you know how. Knowledge about man is no different. Containing the date and place of divorce, names, alimony, speculate for disjunction and similar data, it is no wonder that they are carefully an leading piece of document. Online disjunction description websites are established to let the coarse man like you and I have fast and simple entrance to disjunction records.. Make use of online disjunction description quest providers to get the data that you are searching for.

In Michigan, Usa, disjunction information and records provide a large whole of data such as names, place and date of marriage, age, information about any children, property owned, date and reasons for divorce. More information such as prestige card numbers, tax returns and alimony paid can also be in a appropriate disjunction record.

Knox County Personal Property Tax

Divorce and marriage records are filed in the county that the disjunction took place in, and due to the information they carry, come to be an leading document in a person's life.

Michigan disjunction records are categorized as collective records and this means that whatever can entrance and view the disjunction information provided they comply with assorted Vital Records Office regulations.

The State center for health Statistics issues certified copies of disjunction and marriage records used for assorted legal reasons like remarriage and immigration. However, if you simply wish to acquire the information on the disjunction description you can do so online at assorted online collective description directories.

In the United States, disjunction records being collective records means that they are not confidential and can be obtained by anyone. Thus County Registry provides this service for an every year fee, a small price for the convenience of obtaining such collective description information.

quest Michigan disunion Records Online

How To crusade California State Tax Lien Records

In terms of picking a high compliancy investment, tax liens might bring decent returns if bought wisely. It is very important to know how long the term of the tax lien certificate will run and what happens if not paid. Investors receive very developed returns for short periods of time, and it is guaranteed with real property. Most citizen assume that doing investigate and allowable background checking on a property can eliminate all the risk involved in tax lien investing. You rule to know what happens when citizen pick to avoid their tax lien payments'

You should touch the tax branch and they will apprise you on all the things that could possibly happen to you. Commonly you are required to put down at least 10 percent of the price; other rules, regulations will be discussed by the court appointed referee. Foreclosing on your tax lien certificates can be as easy as filing an application for the process with your county court in some states. Whenever you wish to dispute the tax lien whole or charge against your property, the sale may still go to auction after the specified time to pay has expired.

Knox County Property Tax Sale

You want to sell or refinance your property; you must pay off the tax lien to get a clear title; this will be the only way to make refinancing possible. You need to investigate tax lien and get an comprehension on what happens while the process; therefore, you might be able to take the necessary steps to avoid this from happening. Each of the fifty states in the us have dissimilar laws on tax liens and may even differ by county as well. A tax lien auction can take place when the state or local government imposes a court-ordered auction for your property taxes. If you wish to contest the charges of your tax lien, you should still make your payments in case you lose the decision. You necessarily need to get all of the facts when you receive your tax lien data in the mail; this will help you to set up a cost plan to avoid added actions taken by the authorities.

Depending upon how late you are on your property taxes, the government may issue a tax lien on your property. In terms of volatility, tax lien investments do not face any ups and downs of the stock store as other investments might. An auction of a tax lien certificate Commonly involves selling a certificate to claim the total taxes owed and any administrative charges and interest on the whole owed. While most individuals feel that purchasing a tax lien certificate a real investment; it is still wise to know as much as data as potential about the property.

How To crusade California State Tax Lien Records

The Truth About Tax Lien Investing

What is tax lien investing anyway and why is it such a good investment? What is the discrepancy between tax lien and tax deed investing and what are some of the misconceptions about this type of investment? Read on the find the answers to these questions...

Counties and municipalities depend on money from asset taxes to meet their budget. When asset owners don't pay their taxes, the county or municipality will sell the taxes to an investor. The investor is not buying the asset but paying the taxes on the asset and putting a lien on the property. Why would an investor want to do this? Two reasons; first they are getting a good interest rate on their money and secondly a tax lien comes before most other liens, so the investor is likely to get paid.

Knox County Property Tax Sale

In some states, when a asset owner does not pay their taxes, instead of selling a lien on the property, the county or municipality will sell the asset at a tax deed sale. In states that sell tax deeds you are well buying the property. In some states the asset is sold for back taxes and penalties, in other states the asset is sold for a obvious percentage of assessed value and in other states the asset is sold at market value. A tax deed can be a good investment, especially in states that sell the asset for the back taxes because the investor has a occasion to buy real estate at under market value.

Some states sell redeemable tax deeds, in which the county does sell the deed to the asset at the tax sale. But there is a redemption period in which the delinquent taxpayer can come back and redeem the property. In order to redeem the asset the delinquent taxpayer must pay the investor either a penalty or interest on their investment. Some redeemable deed states have a penalty and some have an interest rate. In some states the penalty or interest can be quite high, manufacture it very inspiring to the investor.

Because people have been told that tax liens are a great speculation and that they can make such good interest rates, they assume that interest is paid out by the county or municipality on a regular basis. The truth about tax lien investing is that you do not get paid a cent until the delinquent asset owner decides to redeem the lien. If they do not pay while the redemption period (which is different for every state) then you can foreclose on the asset in order to get paid on your lien.

Another misunderstanding about tax lien investing is that after the redemption period is over, the lien holder will automatically get the deed to the property. The truth about foreclosing on a tax lien is that in most states you need a lawyer in order to foreclose and get the deed to the property, and in other states (Florida for example) the asset will be sold in a tax deed sale, and will be auctioned to the highest bidder, so your chances of arrival away with the asset for what you have invested in it are not good.

Some people have the misunderstanding that tax lien investing is a good way to buy properties for pennies on the dollar. This does not happen very often. Especially in states where the value of real estate is very high, the tax lien will almost all the time redeem sometime while the foreclosure process. Tax lien investing is a way to get a high return on your money. If you are concerned in buying asset for under market value, you are better of with tax deeds or redeemable tax deeds.

The Truth About Tax Lien Investing

Florida's Amendment 1 - What It Means to You

On January 29, voters spoke loud and clear. Amendment 1 passed with nearly 65% of the vote - an astounding percentage. With the tube of Amendment 1, many citizen will be looking some major changes in their tax bills. Are you one of them? Here's quick rundown on the four sections of Amendment 1, what each section is, and how it might apply to you.

Part 1: Portability

Knox County Personal Property Tax

The first part of Amendment 1 allows those who received a homestead exemption to transfer their Save Our Homes benefit to a new home under obvious conditions. Under the old system, many citizen were "trapped" in their homes - unable to move because a move would mean a drastic growth in their taxes. The large growth in tax was due to the each year 3% cap that a homesteaded property is privy to. So if property values increased more than 3% every year, a homesteaded property's assessed value capped out at 3%. You can see that a homeowner that has resided in a home for a estimate of years would see a tremendous tax benefit by means of a lower assessed value. Under the old plan, each time you purchased a new home, you lost any accumulated tax benefit from your old home and the assessed value reset to the store value of your new home.

Under the new amendment, you get to take your accumulated tax benefit with you as long as you apply it to other homestead within two years. A wholesaler that had homestead exemption in 2007, and who whether sold or abandoned their homestead in 2007 will be eligible to take their Save Our Homes benefit with them if they move to a new home in 2008 and apply for homestead portability. From 2008 onward, you can take your Save Our Homes benefit with you as long as you transfer it within the same year or the following year.

In order to receive this benefit, you must apply by March 1, 2008 to your property appraiser for your new homestead exemption and for the transfer of the "Save Our Homes" benefit to your new homestead for 2008.

In order to take benefit of portability, you have to make two separate applications - one for your new homestead exemption, and one to transfer the Save Our Homes benefit for 2008. You'll find the application forms Dr-501T and Dr-501R on the Florida group of earnings website.

Here's a quick Faq concerning portability:

1. How much is the portability benefit worth?

You can transfer up to 0,000 of portability benefit to a new homestead. If your new homestead is worth more than your old one, you transfer the dollar amount. If your new homestead is worth less than your hold one, you transfer the percentage. For instance: your current homestead is assessed at 0,000, but under Save Our Homes, 0,000 of that is exempt. If you move to a new home that is assessed at 0,000, your portability benefit will be 0,000. If you move to a new homestead that is assessed at 0,000, your portability benefit will be 50%, or 0,000.

2. Is the convert of homestead and transfer of Save Our Homes automatic?

No. You need to apply for each benefit separately.

3. How do I apply for portability?

You plainly turn in a completed application form to the office of the county appraiser in the county in which your new homestead is located.

4. Does portability only apply if I buy a new home?

No. If you already own a second property, you can transfer your homestead exemption to one property to the other and transfer the Save Our Homes benefit as well. Make note that your Homesteaded property must be your primary residence.

5.Am I eligible for portability this year?

If you filed to give up your old homestead after January 1, 2007 and are claiming a new homestead for 2008, you're eligible, but you have to file your application for portability by March 3, 2008.

Part 2: additional ,000 Homestead Exemption

The second part of Amendment 1 is an additional ,000 homestead exemption. The exemption is available to anything who is already claiming the primary ,000 exemption. In order to claim it, you don't have to do anything. It will automatically be applied to your 2008 tax assessment. In Hillsborough County, the mean savings will be 0-300 per household. This is how it will be calculated:

First 25,000 of value - exempted from taxes

Second 25,000 of value - fully taxable

Third 25,000 of value - exempted from all taxes except the school taxes

Why isn't the second 25,000 of value exempt? It is designed to protect cities and towns within Florida that may have many lower assessed property values, particularly in more rural areas. If the irregularity applied to the second 25,000 of value, many of these cities and towns would not fetch sufficient earnings to run their local governments.

Why does the second 25,000 exemption still allow for the schools taxes to be collected? straightforward reply is that the earnings is needed to fund our schools.

Part 3: Tangible Personal property Exemption

According to the Dor:

Tangible personal property is all goods, chattels, and other articles of value. It includes: machinery, equipment, furniture, fixtures, signs, window air conditioners, supplies, leased, loaned, borrowed, or rented equipment used in a business, mobile home attachments on rented land (carport, screened porch, Florida room, etc.) furniture and appliances in rental properties.

The third part of Amendment 1 is a ,000 exemption on all tangible personal property. Company owners must perfect the Tpp return and file it by April 1 each year. If it's carefully that your total tangible personal property is less than ,000, you won't have to file again. The first ,000 of tangible personal property is exempt from taxation under Amendment 1.

Part 4: 10% Non-Homestead assessment Cap

The final part of the amendment is a 10% limitation on assessment of non-Homestead property, both residential and non-residential. As of January 1, 2008, state law requires that all non-homestead property be assessed at just store value, and be reassessed annually, but the convert resulting from the reassessment can not exceed 10% of the current assessed value, and the assessed value can not exceed the store value. In 2009, owners of non-homestead property will be able to apply for the 10% non-homestead assessment Cap.

In practical terms, that means that as of January 1, 2008, the assessed value of your non-homestead property will be equal to its store value. If your property is appraised at 0,000, it will be assessed at 0,000 for tax purposes. In 2009, if you apply for the 10% Cap, the property assessment can not be any higher than 5,000 - 10% above this year's assessed value - no matter how much the store value increases. If the store value of the property is less than that, then the assessed value can be no higher than the store value.

You'll find any forms needed to apply for the assorted exemptions at the Dor web site or at your county appraiser's web site.

Florida's Amendment 1 - What It Means to You

How to Deal With a Federal Tax Lien

Federal Tax Liens

Whenever you owe taxes to the U.S. Treasury and don't pay, a claim against you by the federal government arises by law. (Internal wage Code § 6321.) This claim is called a tax lien. The existence of the government's claim is not collective information-at least initially-and so it is sometimes called a "secret" or "statutory" or "automatic" lien.

Knox County Personal Property Tax

The tax lien automatically attaches to just about all you own or have a right in. If you owe interest and penalties on the tax, which is often the case, the lien covers these amounts as well.
States may also have tax lien rights.

Notice of Federal Tax Lien

If the Irs sends you a valid tax bill and you don't pay it, you may receive a written demand to pay. This paper is called a Cp-501 notice, referring to the Irs estimate on the right-hand corner. If you don't pay within 30 days, the Irs has to the right to file a observation in the collective records showing your tax debt. This paper is officially called a observation of Federal Tax Lien. The Irs files over 500,000 notices each year in the county and/or state collective records offices where you live, work, or own real estate. In the few states without county recording systems, the Irs sends the observation of Federal Tax Lien to the secretary of state's office. The state or county fee for recording the tax lien is paid by the Irs and added to your bill.

The Irs does not check first to see if you surely own real estate before recording the lien notice. It has no presume to. Even if you don't own property now, you might later and the Irs gets first dibs on the proceeds from its sale or financing.

Example: Joyce owes the Irs and lives in Orange County with her Aunt Mildred. The Irs records a observation of Federal Tax Lien at the county recorder's office, even though Joyce owns no real estate. Aunt Mildred dies and leaves her home to Joyce. The Irs's lien now attaches to the house. Joyce won't be able to sell the house with a clear title without first paying off the Irs. And Joyce won't get rid of the lien by getting rid of the property. Any buyer takes the property with the Irs lien on it. And the Irs then has two sources of collection-Joyce and the property held by the buyer.

Effect of a Recorded observation of Federal Tax Lien

Just as a recorded mortgage tells anyone who searches the collective records or pulls your credit article that you owe on your home, a observation of Federal Tax Lien shows the world that you owe the Irs.

A recorded tax lien damages your borrowing capability by scaring off inherent creditors or lenders, production it difficult for you to finance any purchases or get a home loan. Tax lien notices are picked up by credit reporting agencies, such as Experian, Equifax, and TransUnion.

Neutralizing a Recorded Federal Tax /Lien

Keep in mind that the automatic, secret, or statutory tax lien and a recorded observation of Federal Tax Lien are two certain things.

You can't escape a valid self-operating tax lien without (a) paying the tax, interest, and penalties owed, (b) eliminating it in bankruptcy, (c) reducing and paying it straight through an Offer in Compromise, or (d) having the time limit for collections run. An self-operating tax lien will not appear in any collective record, such as a county recorder's office. Hence, it's sometimes called a silent or inexpressive tax lien.

A recorded observation of Federal Tax Lien tells the world your secret. The best way to get rid of it is to get an Irs Certificate of publish of Federal Tax Lien. The Irs will issue a Certificate of publish if you fully pay the tax owed, dismissal it in bankruptcy, or pay it straight through an Offer in Compromise or if the time limit for Irs collections has run out.

The Irs will not reduce the original estimate shown on a tax lien as you make payments. So, if the lien starts out at 0,000 and you pay it down to ,000, the lien will show as 0,000 until the last penny is paid. Only then will the Irs issue the Certificate of Release.

When the tax is paid in full, eliminated, or reduced and paid straight through an Offer in Compromise or bankruptcy or the time for collections has lapsed, the Irs must issue the Certificate of publish (Form 668Z) within 30 days. Once you get the Certificate of Release, you should article it (if the Irs doesn't) and pay the recording fee in the counties where the Irs filed the lien. Also send a copy to the major credit reporting agencies to make sure it gets into your file.

Unfortunately, the original recorded Irs lien observation is not erased by the lien release. credit bureaus can and do article the original lien-and the release-as long as ten years after the recording.
If the Irs Records a Tax Lien

Legally, the Irs must forewarn you in writing and give you a occasion to pay or try to prevent the lien from being recorded before sending the observation to the collective records offices. But if you've moved or the observation is lost in the mail, you may never get the warning and only learn of it when you apply for credit or a loan-and are turned down.

You can request for retrial an Irs tax lien observation filing to the Irs ¬Appeals Office. First ask a telephone conference with the manager of the Irs unit filing the lien. If the manager turns you down, fax or mail a completed Form 9423, variety request for retrial Request, to the variety office. (A copy with instructions is at the Irs website, www.irs.gov.)

The request for retrial ask is usually decided within five enterprise days. The appeals officer looks at whether the collectors followed literal, procedures and considers the facts and circumstances of your case. The officer should telephone you, so list your work and home telephone numbers in your letter. Most taxpayers lose.

Avoiding or Eliminating a Tax Lien

A recorded tax lien can be the kiss of death on your credit rating. It may effectively prevent you from selling or refinancing real estate. It won't, however influence your right to sell personal property, such as a motor vehicle, boat, or furnishings.

The best way to deal with a tax lien is to avoid one in the first place.

For some, a tax lien is just one more black mark on their credit article and won't make it much worse. But you should retort to an Irs letter threatening a lien filing by contacting the Irs at the telephone estimate on the letter, or calling 800-829-1040, or calling the Taxpayer Advocate Service. Be ready to convince the Irs that you fall into the category "Will filing observation impair variety of the tax liability?" Point out that a tax lien will kill your occasion of getting a bank loan, for example.

If you tried but failed to convince the Irs to forgo recording a tax lien, here are your options after the lien observation has been filed:

- Appeal the lien filing. The Irs has five enterprise days after filing the lien to provide written observation to the taxpayer. This must comprise observation of the right to ask a hearing within 30 days from the sixth day after the lien filing. If you win the appeal, the lien will be withdrawn; unfortunately, the fact of the lien filing will still appear on your credit report. (Internal wage Code §/6320.)

- Pay in full. If you don't have the funds, can you borrow from friends or relatives? It is good to owe just about anyone other than the Irs. The Irs must article a publish within 30 days of full payment, but often the agency doesn't ensue through. Call the Irs Centralized Lien Processing Office at 800-913-6050 to verify the publish was filed. Or, obtain a copy of your credit report. If it's still in the report, call the Taxpayer Advocate assistance for fastest service. (See episode 8.)

- Request a partial discharge. If you own some assets that are encumbered by the tax lien and want to use one to pay off the Irs, ask for a dismissal from the tax lien. The Irs will likely do this.

How to Deal With a Federal Tax Lien

Medifast Lean and Green - What Vegetables Are Allowed in the Medifast Lean & Green Meal?

The Medifast Lean & Green meal is an foremost part of the Medifast plan, so you'll want to make sure you're along with the right ingredients. You get three servings of vegetables as part of each lean & green, but there are some veggies that aren't included on the plan.

Since Medifast works by limiting carbohydrates as well as calories, it is foremost to pay attentiveness to the carbohydrates in the "green" part of your Lean & Green meal. So some of the in fact starchy, carb-rich veggies aren't allowed while you are in the weight loss phase of the plan. These no-no's contain potatoes, carrots and corn. You probably won't be too surprised at that list, but would it surprise you to know that onions are excluded too? Yep, onions are pretty high in carbs. Peas and brussel sprouts are pretty high in carbs too, so be sure to exclude those as well until you hit your weight loss goals.

Kerala Home Designs

So what is allowed?

Well, you can start with all kinds of salad greens. You can have butterhead, iceberg and romaine lettuce. In fact, enjoy any lettuce that you find at your grocer. Try picking up some of the separate mixes of salad greens available for some variety, such as the Spring mix. Since you can have three vegetables servings with each meal, I like to have two cups of salad and then someone else higher carb vegetable such as a 1/2 cup of broccoli or tomato to round things out.

Some other beloved veggies I like to eat with my lean & green meal are asparagus; summer or winter squash and all kinds of mushrooms. Oh, and don't forget spinach, zucchini and cauliflower.

I find the best thing to do, so I'm getting a collection of vegetables every week, is to pack the list of Medifast stylish vegetables in my purse. This way when I go shopping each week, I can pull the list out while I'm in the yield aisle and just let my eyes pick out the nicest looking veggies to add to my cart. And whatever vegetables don't end up in salads, I'll lightly steam or roast. Pick up a salad dressing spritzer made with olive oil and use that to lightly spritz veggies for roasting for a tasty flavor that adds negligible calories.

Medifast Lean and Green - What Vegetables Are Allowed in the Medifast Lean & Green Meal?

collective Records on Home Sales - Where to Get Them

In today's fast paced real estate world many habitancy want to buy homes in alternative ways and flip them, i.e., fix them up and turn them colse to for a profit. So that you do not pay too much money for the asset it is very foremost to come to be well-known with your county's communal records on home sales.

In order to do this you have to get your background facts about the asset in order so you must check out your local resources on communal records on home sales.

Knox County Personal Property Tax

Much of the facts you need is now online so you can do your homework at home in your pajamas but your County Recorder's Office is an perfect place to go and post yourself with their records. They are kindly and worth their weight in gold when you need what they have.

First you can track down the recorded documents on the asset straight through your city Assessor or your County Assessor's office. In their facts they will have the "book and page" of the recorded documents on the property: the mortgage, the declaration of Value, a Ground Hazard facts sheet and other pertinent documents. The Assessor's Office can also tell you facts about the asset they acquired while their appraisal procedure in order to make the amount of asset taxes on the property.

All of this facts will be piquant to you when you focus on a asset that you want to buy: you have to know how much was paid for the asset when it was last sold, who presently owns it, especially if it is a foreclosed property. If the asset is presently owned by the present buyers you may be able to go to them directly to buy the asset rather than straight through a real estate agent or bank or foreclosure business representing the lender.

Another source of communal records on home sales you will want to check is your local Sheriff's office to find out either there has been a "Sheriff's Sale" on the property, the first step in the foreclosure process, where the asset is sold at a Sherriff's Auction for the amount due to the lender or more. Typically the lender will buy back the debt at this point to ensure they say their possession role in the foreclosure procedure.

When the facts in interrogate becomes recorded information, it is free and available to anything in the communal realm who wishes to procure it. communal records on home sales are by their very nature free to passage by anyone, so the communal can track prices on sold properties, so anything can know what a asset sold for to assess it to other possible sold properties to conclude a price for a house going onto the market.

The store is driven by this facts so that appraisers can conclude value on pending properties about to close.

collective Records on Home Sales - Where to Get Them

Tax Sale Overbids - gather Them, and Earn a Six-Figure income From Your Home Office

Tax sale overbids - in general, citizen don't know what they are. In general, citizen haven't even heard of them! Even ask a seasoned tax sale investor what he thinks happens when you lose properties because you couldn't pay the property taxes. Just about every time he'll say that the tax sale office takes all the money bid at auction.

Well, too bad for the owner. In about half of the tax collector offices in the U.S., that's exactly right. If you lose your property, you lose any equity you had right along with it. The government takes the tax sale overbids - every last dime of it. It's morally despicable, but government isn't friendly to the small guy. Anyone who's ever paid taxes knows that the government will take Anyone money it can get regardless of whether it's fair or not.

Knox County Property Tax Sale

In the other half of U.S. Counties, however, the government keeps the tax sale overbids - that is, Anyone estimate was bid at tax sale over the estimate owed in taxes - for the owner. Seems a diminutive bit better, right? Well, hold your horses - it's not as great as it seems. The government still takes the money if the owner doesn't come to obtain it within tight window of time - commonly a year.

Here's why this doesn't make it any better: how do you think the government notifies the rightful owner? They've lost their property - the one with the address on file with the county! The government sends a notification, to observation the owner of their tax sale overbids - to the house they vacated long ago. This makes no sense.

How often do you think owners comprehend the money is there? How hard do you think the governmental agency is going to look for the owner, when the corollary is that they get to keep all the tax sale overbids that never get paid out?

Are you beginning to see a huge chance here?

These overbids are created at local government agencies, not at the state level, so they're not governed by state unclaimed funds finder fee law. The owners are missing. You put together the owner with his funds, that he has no clue exists, and charge a 40-50% finder's fee to obtain it for him. He feels like he hit a jackpot, and your bank catalogue is fattened to the tune of ,000 or more a month. That's if you're working, let's say, 30 hours a week on it.

It's totally legal - for now. If you want to make finder fees, get in right away before the government changes the laws.

Tax Sale Overbids - gather Them, and Earn a Six-Figure income From Your Home Office

13 Practical Steps You Need to Take When a Loved One Dies

1. Call the local funeral home. Bring the deed to the grave plot, pre-paid cremation documents and/or forces dismissal papers (if applicable). Also bring any written instructions your loved one left behind about viewing and burial preferences. And note that it is former for friends and house to call the funeral home to find out more on the funeral arrangement such as the date and time of any viewings, church funerals, burials, and treatment of flower arrangements and preferences about charitable donations.

2. Write up an obituary. Write out information on your loved one's education, career, surviving family, forces service, famous achievements, etc. To help assist the funeral director in drafting information for the obituaries in local newspapers.

Knox County Register Of Deeds

3. Get certified death certificates. You can typically derive death certificates from the funeral director or from the County Assessor/Recorder's Office. Request at least 10 certified copies. In San Diego County, Certified Death Certificates are for each copy. See the attached forms for obtaining Certified Death Certificates by mail and in person.

4. recapitulate Will and/or Trust. Crusade for your loved one's former will. This will often times be kept at the drafting attorney's office or in a fire proof safe or safety deposit box. Hopefully, your loved one kept the document at home in a fire proof safe or with the drafting attorney since the safety deposit box could be "frozen" at death which could make it difficult to obtain. After a death, the former will should be lodged with the Probate Court in the region where the man was a resident. After you have placed the will and/or trust, the next step is to take these documents to an attorney.

5. Call an attorney. You may or may not need the help of an attorney for a probate or trust administration. It is best however to consult with an attorney to best make that determination. There are many steps in a trust management that if not done or done improperly, could lead to legal liability for the successor trustee or executor.

6. palpate current and former employers. palpate current and former owner human resource departments and ask them to fax or mail you a benefits summary for life insurance, crisis insurance, profit sharing plans, seclusion plans, flexible spending plans, etc. former employers may have pension or annuity benefits listing beneficiaries.

7. palpate the public safety Administration. palpate the local public safety Office and familiarize them of the death. You can find an office at www.ssa.gov. If your loved one was covered under public Security, his or her spouse may be eligible for a lump-sum death benefit. Spouses must have been married for 9 months or longer before the death, unless the spouse's death was the consequent of an crisis or forces service.

8. palpate life guarnatee and annuity providers. derive any policies for life guarnatee or annuities and familiarize the carriers of the death to process the claims.

9. way safety deposit box. In order to way the safety deposit box, you will need to be listed as a signatory on the box and have the key. Most banks will not allow you way without these two requirements being met. It is also potential to derive an Order from the Probate Court to gain way to the box.

10. Call the accountant. The executor/executrix of the estate will need to know what taxes, if any, are due to the Irs and State. The accountant (if the decedent had one) should be called as soon as potential to make sure that any estate tax that is due is paid within 9 months of the date of death as required by Federal law. The estate may need to file a isolate tax return and a 706 tax return may be primary in a larger estate.

11. Pay any bills that are outstanding. Make sure to open a bank inventory for the estate if you are the executor or a trust bank inventory if your loved one had a trust and you are the trustee. Exchange liquid funds from assets in the estate or trust to the new bank inventory to pay things like funeral expenses, utility bills, reputation card payments, mortgages or any other debts your loved one had. The executor or trustee needs to make sure these payments are made and that records of all expenses are kept up-to-date. This will be leading information that should be shared with the accountant for the filing of tax returns.

12. familiarize the post office. If you are the trustee or executor of the estate, you need to palpate the post office to send any hereafter mail to your address. You may need to cancel clear utilities and subscriptions as well.

13. Re-title any joint tenancy accounts. Make sure to re-title any accounts that were in joint tenancy to the survivor's name only. The bank or other financial practice will likely Request a certified copy of the death certificate and that you fill out their standard form to make the change. If the joint tenancy asset is real estate, an Affidavit of Death of Joint Tenant along with a Certified Death Certificate will need to be recorded at the County Assessor's Office.

13 Practical Steps You Need to Take When a Loved One Dies

Dc Tax Sales & Dc Tax Liens - insight the each year Tax Sale Process and Procedures

The yearly Washington Dc Tax Sale is a group auction of properties required by statute. The auction consists of properties for which real asset taxes have not been paid for one year or more. The asset tax lien sale is the District's vehicle for recovering tax earnings needed to fund vital city services.

To the surprise of many (including some investors who positively partake in the auction), a winning bid at a Dc Tax Auction does not automatically carry title of the asset to a purchaser. There are legal procedures and processes the bidder must perfect before becoming owner of an auctioned property. The current owner may pay the taxes owed and recover proprietary of the asset up until the time a deed is issued to the bidder/purchaser.

Knox County Register Of Deeds

In the District of Columbia, almost 95% of properties to be auctioned are redeemed by owners after the auction. Since this is the case, many investors take part in Dc Tax Sales not for acquisition of the property, but for the high interest rate paid on the Certificate of Sale-currently 18% per annum.

The Dc asset Tax Lien Sale consists of all types of properties: commercial, residential, vacant and abandoned properties. The following is a normal summary of the process.

Dc Tax Lien Step 1: Final notice of Delinquency.

The first step in the Tax Sale process is the Final notice of Delinquency. This notice is mailed to owners of properties that may be sold at the Tax Sale. In order to preclude the asset from being advertised and/or sold, the delinquent owner must pay the bill in full, either by certified check or cash.  

Dc Tax Lien Step 2:  Newspaper Advertisement.

By law, properties to be sold at the Tax Sale must be listed in two local newspapers. The Washington Post and The Washington Times typical carry the Dc asset Tax Sale advertisements. Not every asset you see listed in the newspaper will be auctioned. As asset taxes are satisfied, properties are deleted from the Tax Sale list.

Dc Tax Lien Step 3: Property Inspection.

It is imperative that anything interested in purchasing a asset at the Tax Sale inspect the asset prior to the auction date. It is equally foremost to study other liabilities that may be on the property. Examples of these liabilities are water, gas and/or galvanic bills.

Dc Tax Lien Step 4: Tax Sale Registration.

Buyers must register to partake in the Dc Tax Sale. At the time of registration, if you are an private or business entity that owes taxes to the District of Columbia, you cannot partake . Buyers also must pay upon registration a deposit equal to 20% of the estimate he or she intends to bid, or 0, whichever is higher.

Dc Tax Lien Step 5: The Auction.

A Tax Sales Fee of 0.00 is added to the past due tax estimate at the time of the auction. Starting bid will be at the estimate of the delinquent taxes plus the tax sale fee. The winning bid estimate is the last figure called by the auctioneer. The thriving bidder has five business days from the last day of the tax sale to pay the bid estimate in full.

Dc Tax Lien Step 6: Waiting Period.

The winning bidder (now Purchaser) must wait six months before starting court performance to derive the property. On the fourth month of the waiting period, the purchaser may begin to guide a title hunt of the asset and study other liens.

Dc Tax Lien Step 7: Foreclosure Action.

Once the title hunt is completed and the six month duration has passed, the purchaser may file an performance with the District of Columbia superior Court to foreclose on the owner's right of redemption. Although this part of the process may be done by the purchaser, it is extremely recommended that derive the services on an attorney.

Owners Right of Redemption.

The asset owner may redeem his/her asset at any time prior to the issuance of a court order that forecloses their right of redemption.  If the owner redeems while or after the six-month waiting period, but before a foreclosure performance is filed, the owner must pay all assessments, real asset taxes, fees and cost assessed against the asset and pre-complaint expenses incurred by the Tax Sale purchaser. The pre-complaint expenses have been set by statute.

If redemption occurs after the six month waiting duration and after the foreclosure performance is filed, the owner must pay all taxes, assessments, fees, and costs assessed against the property-owner; the pre-complaint expenses incurred by the Tax Sale purchaser; and legal costs. The Dc Tax Sale purchaser will be reimbursed the buy price plus interest paid at 1 1/2% per month upon the owner redemption. Note that interest is only paid on the estimate of the buy price, which represents the delinquent tax. Interest is not paid on any surplus amounts.

Tax Deed.

It is a court order that grants a purchaser the right to be issued a tax deed. When the court order is issued, the purchaser must pay all taxes, assessments, fees and costs (including penalties and interest) assessed against the property.

The payment of Real asset taxes is the responsibility of every asset owner in the District of Columbia. When asset taxes come to be delinquent, however, the loss of earnings threatens the city's infrastructure. It is the earnings from these taxes that supports city programs and facilities, including schools, libraries, police, fire and other urgency systems, and street cleaning and repair.

No ancillary profit is made by the city government from the auction of secret properties. There is greater advantage for all when owners pay tax bills timely and enounce carport and long-term asset ownership.

Dc Tax Sales & Dc Tax Liens - insight the each year Tax Sale Process and Procedures

Getting enough Time to Move Out after Foreclosure

Having to face the inevitability of keen out after facing foreclosure can be one of the most disappointing and nerve-wracking experiences for homeowners. Especially in states where the time to leave the asset is very short, there is a real possibility that foreclosure victims may feel as though they will not have sufficient time to leave their house before the sheriff shows up to evict them. But the eviction process is entirely set by state law and the courts, and homeowners can receive more time to move out, if necessary.

The actual time frame to eviction will depend on the state foreclosure laws to decree how soon the new owner can start the eviction process. If the laws allow for a redemption period after the sheriff sale, then the homeowners are guaranteed some extra time (from a few days to a year) to stay in the house under state law and not worry about eviction. They can use this time to save money for a security deposit on a new rental, pay down other debt, or find a way to save the current home by paying the redemption amount.

Knox County Personal Property Tax

But if the state has no redemption period after the auction, then the eviction process will normally take about 2-4 weeks from the date of the sheriff sale. The high bidder at auction will have to have the sale confirmed with the court, which can take a few days to more than a week. Then, the owner requests that the court order the sheriff to show the way the eviction, which can take someone else week or two. Finally, the sheriff will schedule the eviction, give the foreclosure victims consideration of the coming date, and then remove all of the population and personal items a few days later. This entire process can take as petite as two weeks or as long as a combine of months, depending on the speed with which the new owner and government act in concert.

After the eviction is conducted by the county sheriff, the personal asset is normally just put in the front lawn, or moved to a county storage and put in storage never to be seen again. Good luck getting it back, either way, as it will be almost impossible to collect the personal items. The most likely possibilities that will happen is that neighbors or members of the society will take anyone they want from the pile of items sitting in the front lawn, or the items will go into storage, never to be seen again and no bureaucrat will be able to track them down, despite numerous requests from the old homeowners. Even suing the county to get the asset back will normally not work, as the old owners will have to sue the county in county court, where a hearing will be conducted before a county judge.

The best way to avoid either of these scenarios is for the homeowners to move out before the eviction, or request more time to stay in the property. They should call the sheriff's office or the new owner before the eviction is scheduled and ask for a extra few days to move everything out. The government and new owner can normally hold off on the eviction if the foreclosure victims are in the process of moving, as long as they are not request for an extra month or longer to live there rent-free. It is easier to give the old owners a few extra days to move out all of their personal items and give up possession of the asset peacefully. Otherwise, homes have been known to be severely damaged by foreclosure victims, with stoves and furnaces removed, copper piping sold, or windows broken and doors removed.

In any case, though, the new owner would not be able to charge homeowners a fine directly for keen their old stuff out of the house. We have occasionally witnessed new third-party owners attempting to charge rent or keen expenses to the old homeowners, despite redemption periods or the legal eviction process. But removing all of the population and asset from a foreclosed house is the accountability of the county sheriffs department, which is the one no ifs ands or buts evicting the homeowners. They already get paid through asset taxes to deal with evictions. Likewise, they would not be able to charge a driver more just because it was a lot of work pulling him over to give him a speeding ticket -- they need some justification for charging more, and "too much heavy lifting" isn't good sufficient to add more fees on top of the eviction process.

For many old homeowners, ultimately keen out of a house may feel like admitting a humiliating defeat to the world. Especially if they are forced to move into a smaller house, apartment, or in with house and friends for a while. But getting out of a bad situation with a mortgage firm and leaving an costly house can no ifs ands or buts be much more liberating than staying. The lender may not have wanted to work with the owners, and the mortgage may have been tens of thousands of dollars more than the asset was worth with an great interest rate. Getting a fresh start and keen on from such a situation can often help homeowners learn some of the most important lessons about prestige and living within their means from now on.

Getting enough Time to Move Out after Foreclosure

Medifast Lean & Green Meals - Some Quick & Easy Lean & Green Menu Ideas

When you diet using Medifast, you get to enjoy a salutary lean & green meal that you make for yourself each day when you effect the 5 and 1 plan. Most Medifast dieters ordinarily opt to have their Lean & Green meal at dinnertime and I all the time did the same. In fact, I found that I had the best results by sticking to just a few basic menus while I was dieting. It kept me from worrying about what I was going to eat every day and so it kept me from thinking about cheating. So here are some quick and easy lean & green menu ideas to help keep your Medifast diet on track.

Chicken Caesar Salad

Kerala Home Designs

I lost over 60 lbs on Medifast, and I did it eating chicken Caesar salad about three or four nights per week. It was a quick and easy dinner selection that I could put together in about five minutes. Since it was so quick, I didn't mind cooking isolate meals for my family because I knew I wasn't going to spend all night in the kitchen.

To put in order my dinner, I ordinarily used pre-washed bags of romaine lettuce or I would pick up some Dole Caesar Salad Kits when they were on sale. You can cook your own chicken breast and dice it up, or you can do what I did -- buy packaged grilled chicken strips.

For variety, I ordinarily added some sun-dried tomato and occasionally mushrooms. Or if I had some bagged spinach, I'd mix my romaine lettuce with the spinach. You'll be having a full two cups of salad greens so mix them how you like. Just remember to leave off the croutons!

Asian Stir Fry

You can enjoy lots of stir fries for your Lean & Green meal and it can help keep things sharp because you can indubitably swap out the type of protein you use and the various types of vegetables. For oil, you can use a small amount of olive oil or try some sesame oil. If you use a non-stick pan, a small oil goes a long way.

My popular veggies are broccoli, green beans and some pepper and onion strips. Mushrooms all the time go into the mix too. Oh, and don't forget the garlic! Once you heat the oil up, you are going to add your vegetables and stir them constantly. They are done when the colors turn bright. Then add either diced and cooked chicken or shrimp and stir fry for other small or two and pass it all onto your plate. You won't even miss the rice!

Grilled Steak and Roasted Asparagus

I love steak and asparagus together, so this is other lean and green meal staple for me. For my steak, I use my George Foreman grill. I don't like to use a lot of the regular marinades sold at the supermarket because so many of them have sugar in them. Instead, I use a beer marinade. One can or bottle of beer, combined with some crushed garlic and some ground pepper and maybe a tablespoon of olive oil will make your meat moist and tasty while adding negligible calories. The alcohol burns itself off while cooking so you don't need to worry about that either.

For the roasted asparagus, I spread out my asparagus in a baking dish then drizzle it with either one tablespoon or olive oil or a tablespoon of low fat dressing (either Italian or Caesar). Then I toss the asparagus until they are all evenly covered and lie them out flat again. Grind some black pepper over them in stick in a 350 F degree oven for 10-15 minutes, depending on how crispy you like them.

So there you have, my three main staple menus for my lean and green meals on Medifast. All of them are quick and easy to throw together and hopefully you family will also enjoy eating them with you occasionally.

Medifast Lean & Green Meals - Some Quick & Easy Lean & Green Menu Ideas

Have Irs Problems? Learn How To Understand Irs Letters and Notices

Understanding And Responding To Irs Letters And Notices

This tax relief article will give you best information about how to respond. Each letter can be found on the Irs web site. Just Google the letter or form number and make your mind up the sites you want explanations from, including the link to the Irs web site.

Knox County Personal Property Tax

Sample Of Irs Letters & Notices

Please read my descriptions for each letter. Even if you didn't get that letter, the descriptions include a sample of Irs letters & notices useful information that these letters contain. It should help you understand the Irs letters better.

Great Tax allowance Technique

What if you get a letter from the Irs charging you supplementary tax based on a math error or a clerical error? How would you like to avoid paying it? Here's how... Write back within 60 days and say you ask an abatement under section 6213(b)(2). This may get it abated. It's worth a try. Sometimes they reassess it, but they must issue a "notice of deficiency" giving you petition rights. include in the letter a statement that you disagree with the supplementary tax and the performance you want taken, such as "I disagree with the supplementary tax assessment because I did all correctly and I want you to take off the taxes." Also state that if they don't take off the taxes, you are requesting that they issue a consideration of scantness so you can file an appeal. The consideration of scantness will list the changes that they made. (Often you get a revision letter that doesn't spell out why they made the changes in the first place.) Use this approach for letters moving a missing Ss# (supply the number and copy of collective protection card if you have it, in your letter). Send your letter to the address they ask you acknowledge to. Never be afraid to call or write for an explanation of the letter or the adjustments being made. You may just want to pay it, or if you are contesting it, you have a best comprehension of what you are contesting. If you do call for an explanation, do not give any information as to what and why you did anything! They will article it and it can be used to deny your ask for abatement.

Cp 11 We Changed Your Return You Have A balance Due

This consideration reflects adjustments the Irs made to your return and the ensue it had on penalties and interest. If you don't agree, speak up now, ordinarily the longer you are in the variety process the harder it is to undo things. If you don't understand why the changes were made, caress the Irs and ask. You don't have to acknowledge questions beyond the verifying questions to prove that you are you, or make promises of when you will make payment. Just say you will call back soon after seeing into the matter.

Letter 11 Final consideration Of Intent To Levy

And consideration of your right to a hearing. You have 30 days to appeal. I prefer solving the case before that time and getting the R.O. To hold off on the levy. Appeals are time consuming, and still won't solve the compliance issues of filing delinquent returns, and cost issues of paying delinquent taxes. If you can't file the delinquent taxes and fill out the variety information statements within the 30 days, call the R.O. Or Acs and explain your great desire to cooperate. Give them what they want, give them some answers they want, and you will probably be given more time. If not call back again. Don't give up. You are allowed to have time to rule your case.

Cp 14 - ask For Tax Payment

This is your first bill for taxes due. A nice straightforward ask for payment. The Irs feels that you still did not pay enough to cover the liability plus interest and penalties. This letter will go to great lengths to explain the interest and penalties, and often less about why you owe money.

Cp 22E

This is a change based on the ensue of an Irs audit examination. You don't even have to be aware of it! The Irs can and does escort audits without your knowledge. If they think all is O.K. Then you probably will never know it happened. If not you will get a letter. You should acknowledge with your proof for any items you want to claim are justified as staying the way you reported them. Or you can just agree to their changes. Often the reasons for the change are missing. How nice. Pull your third party payer information and see why they have dissimilar information than you. If you can't get it in time, call and find out why. You may have to make a few calls. Hang in there.

Cp 71A or Cp 71D - Reminder Of balance Due

Your every year consideration of what is still owed. This consideration will also acquaint you of your "currently not collectible" status. How nice of them!

Cp 90 - Final consideration Of Intent To Levy And consideration Of Right To A Hearing

As it says, they will levy. The ball is in your court to fix what is wrong. To get into compliance and work out cost arrangements. You have 30 days to petition the consideration of levy. Not any other variety performance by the variety division, not the tax in the first place, just the levy. You can petition a lien separately as a lien appeal. You can petition a variety performance with a specific petition for that. You petition the tax by an offer, appeal, or tax court petition. I've had cases where my client started the appeals process, only to find out they didn't understand what they were moving exactly, so the petition was lost. What a waste of time and money! Match your appeals properly.

Cp 101 - Math Errors

This form consists of math errors they say you made computational errors, tax deposit errors, or no reply to supplementary information, etc. If they are wrong, precise them. If they are right, just ignore the letter.

Cp 161 - Underpaid Tax

This shows the underpaid tax according to the Irs records. Pull your Roa and verify your payments and filing of returns. You will see how the Irs came up with the balance. If you owe it, pay it. Use www. Eftps. Gov if you are set up. Call the Irs office on the letter to rule it. If you need to do an installment trade or offer in compromise consult this manual.

Cp 210 or Cp 220 - Penalty consideration For Failure To Deposit

Check your records against the Irs. Check circular E and make sure you understand when to make your deposits, and how much they should be. You should not rely on Irs notices to tell you how often to deposit. You also must use the precise deposit method. Certain large employers must use electronic deposits and not regular bank deposits.

Cp 297

See Cp-90 final notice

Cp 501 or Cp 502 - Reminder Of balance Due, etc.

These are introductory requests before the Cp-503 and Cp-504 are issued. You are in consideration status now. Probably no variety performance yet if this is your only Irs contact. What a great time to plan for your resolution with this guide!

Cp 503 - important Immediate performance Required

If you have received this notice, it means you have ignored the introductory tax bill, Cp-14, they skipped the Cp-501 and Cp-502 notices (or you received them prior to this), or your case is back in collections after being declared "currently not collectable" for a while. If you owe for more than one tax period, you will receive this consideration even if you made arrangements to make installment payments, or you have been settled in a "hardship" status. It will say on the face of it to ignore it if you have entered into an installment trade or paid the balance. As long as you have confirmed this, then you can ignore the letter.

Cp 504 - Urgent We Intend To Levy On Certain Assets

This means that you have 30 days before they will nothing else but levy a bank inventory or wages, etc. If you owe for more than one tax period, you will receive one of these notices each year. You may receive this consideration even if you have made arrangements to make installment payments, or you have been settled in a "hardship" status. You may get this consideration at any stage of collections. It requires immediate attention. See the chapters on working your case.

Cp 515 - ask For Your Tax Return

If you have received this notice, it means you have failed to file a tax return, or at least the Irs has not logged in a copy on their computer system. The type of return and tax period will be shown in the upper right projection as well as in the body of the notice. File the return as soon as possible, otherwise your case will be transferred to an audit group who will prepare the return for you, without those important deductions you need to lower your liability.

Cp 518 - Your Tax Return Is Overdue

Well now you know. Get it prepared and sent in. If you owe more than you can pay, then prepare to deal with the variety division. Luckily you can be prepared because of this manual.

Cp 521 - This Is An Installment trade cost Notice

As long as you are meeting your terms of your cost plan, there is nothing else for you to do. If you've broken your agreement, even if you didn't receive this notice, take the initiative to immediately get back into your agreement.

Cp 522 - Two Year quote For More Financial Statement Information

Be careful responding. If your wage has gone up, your monthly payments to the Irs will probably go up too. Maybe your living expenses, especially medical, has increased too! You want to maximize deductions to offset any growth in income. If you need to lower your monthly payments, argue that too.

Cp 523 - consideration Of Intent To Levy

Oops, whether you defaulted on your trade or the Irs isn't posting your payments properly. Remember the Irs must receive cost by the due date of your monthly payments. They must also receive cost by the due dates for all taxes you are liable for. Not a day late or a dollar short. In the past they used to break your trade and levy your account. Now, they give you about a week to straighten it out. Call and get it fixed.

Cp 525 - 30 Day Letter To Appeal

This comes with your audit adjustment letter. It gives you 30 days to petition if you disagree with the adjustments. It's a good idea to prepare this petition along with your continued arguments and give it to the auditor. This way you protect your proprietary if you and the auditor disagree about the changes.

Cp 531 - consideration Of Deficiency

This shows how much you owe for each year, and how to dispute the adjustments. In many dispute cases you must pay first, and then file a claim for refund. Otherwise you have 90 days to file a tax court petition.

Cp 566 - introductory caress Letter On An Audit

Be glad you received it. Many audits take place without taxpayer notification. At least you get a opening up front to defend your positions. Make sure you prepare properly.

Form 668W - Wage Levy

Fill out the exemption portion so you can get the biggest paycheck. This is a very serious variety action. If you want your next full check, you need to take care of delinquent filings and information the Irs needs from you to rule a payback plan right away. Get your information together and " paint a defensible picture" of your financial situation as instructed in this manual. File any delinquent returns, and pay any current payments of estimated taxes that are delinquent (or prove that you are not required to make one by providing your estimated tax calculation). Provide this calculation anyway if your cost is less than it ordinarily should be. Then call for an immediate levy release. Give them the name and the fax number of the someone in your business whose job it is to receive wage levy releases. Your collective protection or seclusion can be levied.

Form 668A - Levy

Same as above, except this is a one time bank or financial convention levy. Works on whatever who is holding your money. The funds are on hold for 21 days, then they are sent to the Irs variety someone who sent out the levy. I have seen banks not ensue the rules on the one time nature of this levy. On the back of the levy it states that this is a one time, not continuous levy. It is for funds on hand the day it is received only. I had a real estate client who had to switch jobs because his boss got a 668A levy on his commissions. None were owed. The following week he had a closing, and would receive commissions. I tried to explain to his boss that the new commissions did not have to be held for the Irs and to read the back of the levy. It's wonderful how some habitancy can be so afraid of the Irs that it clouds their base sense judgment.

Letter 692 - ask For consideration Of supplementary Findings

This comes with proposed adjustments to your tax return. It gives you courses of action. You can sign it, or ask an appeal. Be careful, you ordinarily have less than 15 days from your receipt of the letter, to take action.

Letter 1058 - Final consideration Of Intent To Levy And consideration Of Your proprietary To A Hearing. Please acknowledge Immediately.

If you received this notice, it means you owe tax and have ignored Letter 2050. This is one the most serious variety attempt notices the Irs sends to a taxpayer owing tax. It must be responded to or you will lose petition proprietary and the Irs will levy whatever they can find. As always prepare a introductory financial statement to know where you stand before contacting the Irs.

Letter 1085 - This Is A 30 Day Letter To Protest An assessment On A 6020b

This is a 30 day letter to protest an Irs tax assessment on a 6020B, which is the Irs code for a payroll article they filled out and filed for you. Don't just accept their figures, even if they are close to the actual amounts. Your 941 payroll reports must balance to the 940, the state reports, W-2′s, etc. At a minimum, you must see that the total gross wages for the year is the same for each report. Hire a pro to help you if you can't do this on your own.

Letter 1153 - Trust Fund saving Penalty

The remaining Fica and withholding not collected from the business is now being charged to you. Very serious. dissimilar regions of the country rely on dissimilar court rulings to rule some disputes. Basically you must show that you didn't have authority to direct the company's funds and that you did not have knowledge of the taxes not being paid. You should send the R.O. Your petition along with your proof that you are not liable, just in case they don't agree with you. It shows that you are very serious. Many habitancy will wait on this part until it is nothing else but necessary. Sometimes R.O.'s will chase everybody who has signature authority on the bank account, any stockholder, any signer of a tax form, or listed officer, and then leave it up to you to defend yourself.

Letter 1389 - 30 Days Protest On Tax Shelter

This gives you 30 days to protest changes made to your return because of your tax shelter activity. Sign it or petition it.

Cp 2000 - We Are Proposing ChangesTo Your Return

If you received this notice, it means that you have omitted wage from your return or the number of wage or expenses on your return does not match the number reported to the Irs. The following pages will Provide an explanation of the changes followed by a detailed listing of the items that were left off your return or did not match the amounts reported to the Irs. acknowledge immediately, with all the proof you have to sway them to your way of thinking. Do not shortcut your proof.

Letter 2050 - Please Call Us About Your Overdue Taxes Or Returns

If you received this notice, it means you owe tax and have ignored former notices Cp-504 or Cp-523 or you have delinquent tax returns. You may receive this consideration even if you have made arrangements to make installment payments or you have been settled in a "hardship" status. Do not call. Spend time now preparation the delinquent returns, and preparation your financial statements.

Letter 3016 - introductory estimation Letter

You have 30 days to appeal, if they turned down your ask for innocent spouse relief. Go back and construct your arguments before calling for a new determination. If you can't get the reviewer to change to your way of thinking, then file your petition in a timely manner.

Letter 3172 - consideration Of Federal Tax Lien And Right To A Hearing

You now have a real asset lien in a single county only. Just the county listed. Not all counties you own asset in. I have had clients that sold all asset they had in other counties and used this money to help them negotiate best cost plans. If the lien will cause a hardship, one accepted to the Irs, then petition it.

Letter 3174(P) - consideration Of Levy

Similar to letter 1058. Used when a taxpayer changes address. This needs immediate attention. You avoid levies by resolving the variety issues, or you petition based on a hardship.

Letter 3173 - 3rd Party Contact

This letter advises taxpayers that the Irs may be contacting 3rd parties to ask questions. You can't nothing else but do whatever about it. Don't worry though, your personal information will be kept confidential.

Letter 3219 - consideration Of Deficiency

Issued to a taxpayer before an assessment is made. ordinarily the ensue of an audit. If you disagree, you need to file a tax court petition within 90 days. You can file an petition to contest it. Don't worry, if you miss the deadline for an petition you can ordinarily get Appeals to take the case, by filing a tax court petition. Once accepted by the Irs legal agency you can call and convince them that this is nothing else but a case to be heard by Appeals.

Letter 3228 - every year Reminder Notice

This is a consideration to let you know what taxes and years you owe. This is sent every year as long as there is an unpaid balance.

Letter 3391 - 30 Day proclamation Letter

The Irs says you owe for the years stated. The letter shows you what the liability is based on. Agree to it or protest. However, if you never filed the return, then file it. Use their numbers for wage and price if you feel comfortable with them. If you just want to accept their information without filing a return, ask for a signature form so you can show you signed the return they prepared. They file an Sfr (substitute for return) using the 3rd party payer information they have on file. This includes the W-2′s, K-1′s, 1099′s, etc. Filed under your tax Id number. Signing a return and having the Irs enter it on their law will start the Sol on collections. I have seen the Irs derive tax liabilities way beyond 10 years because the taxpayer never started the running of the variety statute. The statute starts when the taxpayer files a return that the Irs accepts.

Considering Writing Your Own Letter To The Irs?

If you ensue my guide, you will rarely have to write a letter to the Irs, unless you are attempting to take off penalties. If you can't get someone at the Irs to take care of your requests by a due date, or if you can't confirm that your ask was completed, you may want to send something in writing, certified return receipt, prior to the due date, therefore complying with a statute date that you don't want to expire.

When in doubt, do a mailing to lock in the due date. Never, however, expect it to be read and acted upon in place of your phone calls! I can tell you to wait 3-6 weeks, but each case will rule the ensue up time for each mailing. Other factors will too. For example... How much risk you are willing to take that your paycheck or bank inventory will be levied?

If you are inspecting hiring us, call Joe Mastriano, Cpa 713-774-4467. Think your Irs matter is handled? Think again! For your analysis, click here to email me.

Have Irs Problems? Learn How To Understand Irs Letters and Notices